Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks & Spencer are so useful. M&S Money financial products are, of course, designed to make Mark & Spensers a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Property Insurance policies. Usually, UK Property Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M&S Money Property Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M&S Money Property Insurance than you will anywhere else, and you may even pay less with M&S.

Besides Marks & Spencer Motor Insurance, M&S Money Credit Cards and other financial products, M&S Money Property Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Money Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks & Spenser purchases are also protected while you take them home.

Also, on both M&S Money Premier Property Insurance and Standard Property Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.

Not so long ago, only banks and traditional insurance companies offered financial or insurance products, yet today it may often seem as if even the local corner shop is offering financial products. That's not quite true, of course, but many more companies do offer financial products than used to be the case, and it can sometimes be difficult to decide who is offering the best deal.

And, while Marks & Spencer once offered mostly fashion products, with the only hint of a credit card being when you paid for your shopping at the checkout, today you'll find as good a deal on M&S credit cards as you will with the latest range of M&S fashion.

In fact, these days Marks & Spencers, through its M&S Money website, offer a range of financial products which would not look out of place in many banks, including M&S Motor Insurance, M&S Property Insurance, M&S Travel Insurance, M&S Pet Insurance, savings products, M&S Credit Cards, M&S Loans, and much more besides.

The Bourne Ultimatum Blu-ray DVD, at Mark's & Spencer
Rating Suitable for 12 years and over,

Flat Front Crease Resistant Puppytooth Trousers, at Marks & Spencer
Stay smarter for longer with these innovative crease resistant trousers

Ribbon Hat, at MarksandSpencer
Keep ahead of the trends with this contemporary ribbon sunhat, an essential look for style in the sun

British Ham Platter, at Marks and Spenser
Contains 40 slices Serves 8 Ready to eat 700g As featured on page 18 in the food to order brochure Order by 5pm to collect in 5 days Available for collection in the majority of our UK mainland stores

Autograph Floral Stripe Tie, at Marks and Spencer
Part of Kids' Autograph, a luxurious collection of beautifully designed clothing in high quality fabrics with superior finishing details. Kids' Autograph gives a stylish well-dressed look

Blue Harbour Pure Cotton Short Sleeve Shirt, at M+S
Stay cool during the summer season with this short sleeve shirt. It's made from soft cotton and looks great with jeans or shorts

Plain Leather Gloves, at MarksandSpencer
Luxurious, fashionable and elegant, these plain leather gloves are fully lined. This season's style at your fingertips!

50/50 Tie Dye Print Bedset, at M&S
Tie dye print design Single set includes duvet cover and 1 pillowcase Double set includes duvet cover (4ft 6in) and 2 pillowcases King size includes duvet cover (5ft) and 2 pillowcases, Manufacturer: Marks & Spencer

Perfect Autograph Lace Light Control Shorts, at Marks & Spensers
These pretty lace shorts, in beautiful coloured lace, have a touch of shaping control that's perfect for everday

Red Skirt Special Daughter Card, at Marks and Spencer
Cover text: With love to a special daughter Inside message: Have a fantastic day Approx size: 150 x 150mm

Large Rectangle Face Watch, at Marks & Spensers
Buckle fastening Analogue Rectangle face

Cotton Rich Plain V-Neck T-Shirt, at Marks and Spencers
This longer length short sleeved t-shirt will make a useful addition to your wardrobe. It features a flattering v-neck for a stylish casual look

Per Una 3 Button Revere Collar Cardigan, at M&S
A feminine 3/4 sleeve cardigan featuring a revere collar. The 3 button fastening gives it the Per Una touch

Autograph Essentials Cotton Rich Long Sleeve Shirt, at Mark's & Spencer
Stylish and contemporary, this pinstripe shirt is part of our luxurious Autograph collection. The fabric has been created exclusively for us to tie in with this season's key looks, so you wont find it anywhere else

Ribbon Sunglasses, at M&S
A hot look for summer, these fabulous ribbon design sunglasses add instant style and glamour

Blue Harbour Pure Cotton Button Down Oxford Shirt, at Mark & Spencers
Relaxed and stylish, this long sleeve shirt is made from pure cotton, so it feels soft and comfortable to wear

Handcrafted Edwardian Lady Mother's Day Card, at Marks and Spencers
Cover text: To my lovely Mum on Mother's Day Inside message: Hope you have a lovely day Approx size: 178 x 126mm The Country Diary of an Edwardian Lady Rowena Stott (Designs) Ltd and RW.UK. Ltd 2008 Licensed by opyrights Group

Autograph Pure Cotton Textured Stripe Trousers, at Marks & Spensers
Fashionable and contemporary, these textured stripe trousers are part of our exclusive Autograph collection. A great design, superior fabric and careful attention to detail make them exceptionally stylish and comfortable

Leather Jeans Belt, at Marks and Spencer
Add a fashionable finishing touch to your casual trousers and jeans with this stylish leather belt

Autograph Babylon Collection Shade, at Marks n Spencer
Tapered design 20 x 50 x 50cm, Manufacturer: Marks & Spencer

Older Boys' Batmobile Slippers, at Marks and Spencer
Round toe Grip sole Batmobile motif Slip on ™ & DC Comics

Ribbon Sunglasses, at Marks & Spencer
A hot look for summer, these fabulous ribbon design sunglasses add instant style and glamour

Pure Cotton Henley Neck Stripe Top, at M&S
Soft and comfortable, this cotton pyjama top can be worn with a number of our pyjama bottoms and shorts to create your own style

Easy Soups, at Marks&Spencer
A great collection of tasty soup recipes to keep you warm during those winter months

Formula Revival Radiance Complexion Balm, at Marks and Spencers
Instant reduction of fine lines and wrinkles Contains UVA/UVB filters Suitable for all skin types Hypoallergenic 50ml

Silver Plated Double Twist Ring Necklace, at Marks and Spencer
Clasp fastening Adjustable length Thin chain Double twist ring pendant with multifaceted bead detail Necklace length 40cm, extendable by 7.5cm

Silver Plated Slinky Knot Choke Necklace, at Marks & Spencer
Clasp fastening Adjustable length Choke design Knot detail Necklace length 41cm, extendable by 8cm

Noah's Ark Floor Sized Puzzle, at Marks n Spencer
Suitable for ages 1-3 years 36 pieces Helps with hand-eye coordination and problem solving 58cm diameter with 8 stand up pieces This product conforms to EN71 and the Toy Safety Directive, Manufacturer: Marks & Spencer

3 Pure Cotton Assorted Sleepsuits, at Marks and Spencer
Comfortable, practical and fashionable, this pack of 3 sleepsuits is made from soft breathable cotton

5 Loop Dinner Candle Holder, at Marks and Spencers
Handcrafted Holds 5 candles Loop design H10 x W69 x D8.7cm, Manufacturer: Marks & Spencer

Shopping for financial products at M&S Money UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the M&S Money website:

• M&S Insurance: M&S Motor Insurance, M&S Property Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spencers, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Money in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Money website.